Rewards Program Credit Cards

Earn up to 100,000 bonus points and collect points as you spend.

Rewards credit cards offer you points for your everyday spending, which can then be redeemed for a variety of travel and lifestyle rewards. Depending on your goals, you could enjoy free flights and upgrades with a frequent flyer credit card, get rewarded when you shop at your favourite supermarket or choose a card that's linked to a credit card rewards program and enjoy the flexibility of travel rewards, merchandise and cash back on your account.

As well as these benefits, rewards credit cards often come with higher annual fees and interest rates. This makes it important to compare your options to make sure the benefits outweigh the costs. Use this guide to learn how rewards credit cards work, the different programs available and how you can compare them to get the most out of your rewards.

NAB Rewards Platinum Card

Receive 50,000 Bonus Points
when you take out a new
NAB Rewards Platinum Card

Offer ends 1 October 2017

Eligibility criteria, terms and conditions, fees and charges apply

Rewards Credit Card Offer

With a new NAB Rewards Platinum Card, get up to 110,000 bonus points.

  • Earn 50,000 bonus points when you spend $2,500 on everyday purchases within the first 60 days of account opening.
  • Get up to 60,000 additional points with 2 points/$1 on everyday purchases in the first 6 months (10K bonus points cap/month).
  • Redeem bonus points for vouchers to use at Coles, BP, Bunnings, David Jones, GoodFood, JB Hi-Fi and more.
  • Receive a range of complimentary insurance covers including overseas travel insurance and a 24/7 NAB Concierge Service.
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Compare the Best Rewards Credit Cards* 2017

Rates last updated September 21st, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
NAB Rewards Platinum Card
50,000 bonus points
1
19.99% p.a.
$195 p.a.
Take advantage of a double points earn rate offer for the first six months. Plus, seven complimentary insurances.
ANZ Frequent Flyer Black
75,000 bonus points
1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Receive 75,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
HSBC Platinum Qantas Credit Card
60,000 bonus points
1
19.99% p.a.
$199 p.a.
Offers complimentary membership to the Qantas Frequent Flyer Program and international travel insurance included.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
Qantas American Express Ultimate Card
100,000 bonus points
1.5
20.74% p.a.
$450 p.a.
Receive a complimentary Qantas domestic return economy flight and 2 American Express Airport Lounge entries each calendar year.
American Express Explorer® Credit Card
100,000 bonus points
2
20.74% p.a.
$395 p.a.
Receive a $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.
Citi Rewards Platinum Credit Card
1
0
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and get a host of platinum privileges.
Westpac Altitude Black - 100k Bonus Points
100,000 bonus points
1.25
2.5
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 20,000 points upon card approval and an additional 80,000 bonus Altitude Points when you meet the spend requirements. Offer ends 26 October 2017.
ANZ Frequent Flyer Platinum
50,000 bonus points
0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months.
Westpac Altitude Black - Altitude Qantas 100k Bonus Points
100,000 bonus points
0.625
1.25
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 20,000 points upon card approval and an additional 80,000 bonus Qantas Points when you meet the spend requirements. Offer ends 26 October 2017.
ANZ Rewards Black Credit Card
75,000 bonus points
2
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
Offers unlimited access to participating Véloce airport lounges outside of Australia and a personal 24/7 concierge service.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66
20.74% p.a.
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
American Express Essential®  Credit Card
1
14.99% p.a.
$0 p.a.
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66
0% p.a. for 12 months (reverts to 20.74% p.a.)
$129 p.a.
Save with 0% p.a. on purchases for 12 months. Plus, a $129 Virgin Australia Gift Voucher every year you hold the card.
NAB Qantas Rewards Signature Card
90,000 bonus points
1
19.99% p.a.
$395 p.a.
Receive complimentary insurance, a 24/7 concierge service and a promotional balance transfer offer of 0% p.a. for 6 months.
Virgin Australia Velocity High Flyer Card - 80k Bonus Points offer
80,000 bonus points
1
20.74% p.a.
$289 p.a.
Take off sooner with up to 1 Velocity Point per $1 spent and earn up to 80,000 bonus Velocity Points. Plus, complimentary travel insurance.
NAB Rewards Signature Card
75,000 bonus points
1.25
19.99% p.a.
$295 p.a.
Offers an introductory rate on balance transfers of 0% p.a. for 6 months with no BT fee. Plus, double points for the first 6 months.
Bendigo Bank Platinum Rewards Mastercard
1.5
0
19.99% p.a.
$89 p.a.
Get rewarded for every $1 spent on eligible purchases and balance transfers. Plus, enjoy a range of premium benefits.
Caltex StarCard
10,000 bonus points
1
$35.40 p.a.
Minimise your monthly fuel expenses and collect bonus Qantas Points on eligible business purchases.
HSBC Platinum Credit Card
1
0
19.99% p.a.
$99 p.a.
Transfer existing debt at 0% p.a. for 22 months with a one-time 2% BT fee, plus, receive a complimentary insurance package.

Compare up to 4 providers

* The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms "Best" and "Top" are not product ratings and are subject to our disclaimer. The star ratings indicated on this page are from real finder.com.au users based on their feedback about the quality of this page. It is not representative of any product’s star ratings and should not be taken as a recommendation of any form of credit. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

The finder.com.au best* rewards credit cards

Compare the features, bonus points and earn rate of the rewards cards below to see which one could help you maximise your points.

Credit CardBonus PointsPoints earned per $1 spent
ANZ Rewards Platinum Credit Card50,0001.5
HSBC Platinum Qantas Credit Card60,0001
American Express Explorer® Credit Card100,0002
Citi Rewards Signature Credit Card120,0001

How do credit card rewards programs work?

Rewards credit cards usually earn you points for every $1 spent on eligible transactions. When you have earned enough points, you can redeem them for rewards such as travel, flight upgrades, gift cards, cash back and merchandise.

Most rewards credit cards also have higher standard interest rates and annual fees that other options, because it costs lenders money to offer a rewards program. This makes it important to compare the potential costs against the value of a rewards card so you can decide if the benefits are worth it.

The definition of an “eligible transaction” can vary depending on the credit card and rewards program, but it generally covers most of your everyday purchases, including spending at retail stores, supermarkets and petrol stations. Common exclusions are government payments (including those to the ATO), BPAY transactions, cash advances, balance transfers and account fees and charges. Check the rewards program terms and conditions for a full list of exclusions so you know when you will and won’t earn rewards.

What rewards do credit cards offer?

The rewards you can get with a credit card depend on the card you choose and the rewards program. Some of the most popular reward categories include:

  • Flights
  • Flight upgrades
  • Accommodation
  • Gift cards
  • Cashback
  • Fuel vouchers
  • Instant shopping discounts
  • Fashion items
  • Electronics
  • Tickets to concerts and other events

How can I use my credit card rewards?

The steps required to use your points to redeem rewards varies depending on the credit card and the rewards program. But there are a few key factors to remember:

  • Account login. You must log in to your credit card account or rewards program account to make redemptions. Once you’re logged in, it’s usually a simple process of going to the “Rewards” section, then selecting “Use points” and following the prompts.
  • Required points. Every reward option available for redemption has a specific point value (e.g. 12,000 points for a $50 gift card). This means you need to have at least this amount of points in your account to redeem your chosen reward.
  • Points-plus-pay. Some programs, such as CommBank Awards or Qantas Frequent Flyer, allow you to use a combination of points and money to redeem your chosen rewards. This gives you more flexibility if you haven’t earned enough points when you want to make redemptions.

Types of credit card rewards programs in Australia

There are a variety of different rewards credit cards you can compare and choose based on the benefits you want. These can be separated into four types of reward programs, which we’ve outlined below.

Frequent flyer programs

Frequent flyer programs are traditionally designed to earn you points and other benefits when you travel with a particular airline, such as Qantas or Virgin Australia. There are two main ways you can earn frequent flyer points with a rewards credit card in Australia:

  1. Direct earn frequent flyer credit cards. These cards are linked with a specific frequent flyer program and rewards are added directly to your airline loyalty account. The frequent flyer programs that are linked to direct earn credit cards in Australia include Qantas Frequent Flyer, Velocity Frequent Flyer and Emirates Skywards.
  2. Indirect earn frequent flyer credit cards. These rewards credit cards let you transfer the points you earn to many different frequent flyer programs from all around the world, giving you more flexibility if you fly with a range of airlines. Credit card reward programs that indirectly earn frequent flyer points include American Express Membership Rewards, ANZ Rewards, CommBank Awards and NAB Rewards.

Credit card rewards programs

Many credit card companies in Australia have their own branded rewards programs for customers. These options allow you to redeem points for a variety of rewards, including frequent flyer points travel, merchandise, gift cards and credit on your account. Some credit card rewards programs are:

Many of these rewards programs also offer auto-redemption for specific rewards, such as cashback, gift cards or frequent flyer points. For example, ANZ allows cardholders to opt in for auto-redemption through Virgin Australia’s Velocity program. With this option, all ANZ Rewards points are automatically transferred to your Velocity account annually, periodically or when you have earned a specific amount of ANZ Rewards points.

Other credit card companies offer instant redemptions with certain retailers. If you have a CommBank Awards credit card, for example, you can redeem your points in-store at Myer or Flight Centre.

Supermarket and retail reward programs

Some rewards credit cards earn points and offer other benefits at supermarkets and major retailers. We’ve outlined the most popular options in the table below.

RetailerCredit cardsBenefits
David JonesDavid Jones StorecardDesigned to be used exclusively in David Jones department stores. Choose between earning points for gift cards or Qantas points. Receive exclusive in-store benefits such as complimentary standard delivery, gift-wrapping and VIP invitations.
David Jones American ExpressEarn Membership Rewards or Qantas Points for purchases in David Jones and everywhere else. Enjoy exclusive in-store benefits at David Jones.
David Jones American Express Platinum CardEarn Membership Rewards or Qantas Points for purchases in David Jones and everywhere else. Enjoy exclusive in-store benefits at David Jones, plus complimentary travel insurance and airport lounge access.
ColesColes No Annual Fee MastercardEarn flybuys points per $1 spent. Free Coles Online delivery when you spend $100 or more with an eligible Coles Mastercard.
Coles Platinum No Annual Fee MastercardEarn flybuys points per $1 spent. Free Coles Online delivery when you spend $100 or more with an eligible Coles Mastercard.
Coles Rewards MastercardEarn flybuys points per $1 spent. Free Coles Online delivery when you spend $100 or more with an eligible Coles Mastercard.
Coles Platinum Rewards MastercardEarn flybuys points per $1 spent. Free Coles Online delivery when you spend $100 or more with an eligible Coles Mastercard.
NABNAB flybuys Rewards CardEarn flybuys points per $1 spent. Plus enjoy a platinum concierge service and complimentary travel insurance covers.
WoolworthsWoolworths Everyday Platinum Credit CardEarn Woolworths points per $1 spent. Automatic redemption of points for Woolworths Gift Cards every 4 months.
Rates last updated September 21st, 2017
Name Product Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee Product Description
American Express Platinum Edge Credit Card
1
20.74% p.a.
$195 p.a.
Receive a $200 Travel Credit every year and complimentary domestic and international travel insurance.
David Jones American Express
20,000 bonus points
1
20.74% p.a.
$99 p.a.
The AMEX David Jones Credit Card gives you points for supermarket purchases. Earn 1 Points per $1 spent at all the major supermarkets.
David Jones American Express Platinum Card
40,000 bonus points
1
20.74% p.a.
$295 p.a.
Earn 40,000 Membership Rewards points when you spend outside of store 3 times in the first month.
Woolworths Everyday Platinum Credit Card
1
0
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Earn up to 3 per $1 spent on purchases on Woolworths Select products, cash back with Woolworths Shopping Cards and fuel savings.
David Jones American Express Platinum Card - Qantas Frequent Flyer
30,000 bonus points
0
0.75
20.74% p.a.
$295 p.a.
Fly faster with up to 3 Qantas Points per $1 spent and receive complimentary travel insurance when travel is booked on your card.

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Cashback credit cards

These types of rewards cards add credit or “cash” to your account when you meet certain spending requirements. Most cashback credit cards offer a percentage of your total spend as cashback, or provide a one-time cashback sum as an introductory offer when you apply and are approved for a specific credit card. Currently, the bcu Rewards credit card is one of the only options to earn cashback for your eligible spending on an ongoing basis.

Cashback with other reward credit cards

You can also get cash back through most of the frequent flyer, credit card and supermarket or retail rewards programs outlined above. Just choose the “cash” or “gift cards” category of your rewards program to see what options are available.

Rates last updated September 21st, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
American Express Essential®  Credit Card
14.99% p.a.
0% p.a. for 12 months with 3% balance transfer fee
$0 p.a.
Receive a $50 credit when you apply online, are approved and spend $750 on your new card within the first 3 months of card membership.
Citi Rewards Classic Credit Card
20.99% p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Until 31 March 2018 receive up to 5% cashback on all retail purchases, up to $1,000 in your first 90 days from card approval (capped at $50).
Citi Simplicity Card
19.99% p.a.
0% p.a. for 6 months
$0 p.a.
Earn 10% cashback on eligible purchases (capped at $50 per month) for the first 4 months from card approval.

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shopping with credit cardHow to compare reward credit cards in Australia

Comparing credit cards helps you find the features that suit your lifestyle while also keeping costs affordable. Below, you’ll find a checklist of things to consider when you are comparing reward credit cards.

Earning points

  • Points per dollar. The more points you earn per dollar spent, the greater the potential value. A good rule of thumb is to look for a card that offers at least 1 point per $1 for most transactions.
  • Point expiry and caps. Some credit card reward points expire after a certain amount of time, and some accounts have a limit on how many points you can earn in a month or year.
  • Bonus point offers. Reward credit cards often have sign up deals that give you hundreds or thousands of bonus points. Usually these offers require you to spend a certain amount of money on the card in the first few months you have it. As these offers only last for a limited time, they should only be considered after you have a clear idea of the type of card you want so that you can get the most value out of the deal and the rewards card you choose.

Redeeming points

  • Points values. To work out the value of your rewards, consider how many points it would take to redeem. For example, if you need 12,000 points to get a $50 gift card and your credit card has an earn rate of 1 point per $1 spent, you would have to spend $12,000 make a redemption. Breaking down the rewards like this can help you determine whether it’s worth your time and money.
  • Rewards partners. Rewards programs often partner with retailers and businesses to provide you with a wider range of redemption options. You may also have the opportunity to earn bonus points when you shop with partner stores. Choose a credit card rewards program that has partnerships with your favourite brands and products so you can take advantage of these options.
  • Redemption limitations. Some reward programs have blackout periods when you may not be able to make redemptions. Check the fine print for this information and consider the impact it could have on you.

Rates and fees

  • Annual fees. Most rewards credit cards charge an annual fee. The value of the rewards you earn should be equal to or more than the annual fee of a credit card.
  • Foreign transaction fees. Most credit cards apply a charge for transactions made overseas or with an international retailer online, usually worth 2% to 3.5% of the total transaction. Make sure you consider this fee before choosing a card – especially for any rewards card that offers more points for foreign transactions. You can compare cards with no foreign transaction fees with this guide.
  • Purchase rates. Rewards credit cards often have high standard interest rates. If you think you’ll carry a balance, consider how much interest your purchases will accrue and whether the rewards will outweigh the cost of your repayments.
  • Balance transfer rates. Some balance transfer credit cards also come with rewards. These cards allow you to move an existing debt to the new card and pay a low introductory interest rate on the balance. Usually, you won't earn points for the balance that you transfer, and any new purchases will be charged interest at the purchase rate from the time the transaction is made. If you have credit card debt, it may be better to focus on paying it off completely before considering a rewards card.
  • Cash advance rate. If you use a rewards credit card for a cash advance transaction, such as getting money from an ATM, you will be charged interest at the cash advance rate, which could be as high as 22% p.a. Cash advances usually don't earn reward points either.
  • Other fees. Rewards credit cards may come with a range of other fees, such as late payment and overlimit charges. Make sure you check these costs and factor them into your comparison so that you can choose a card that is affordable for you.

Complimentary extras

Rewards credit cards often come with a variety of additional features that can add value to the account you choose. Popular perks include:

  • International travel insurance
  • Airport lounge access
  • Complimentary flights
  • Hotel stays
  • Purchase protection insurance
  • Extended warranty coverage
  • Price match guarantees
  • Concierge services

Will a rewards credit card work for me?

The value of a rewards credit card depends as much on the cardholder as the actual card you choose. So rather than making a definitive statement about whether or not reward credit cards are valuable, let’s take a look at the key factors that make them likely or unlikely to work for you.

A reward credit card could be worth it if you:

  • Pay off your credit card balance in full every month
  • Currently use a credit card on a regular basis
  • Have a clear idea of the type of points you want to earn
  • Are part of an existing reward program that could be complemented by a credit card (i.e. a frequent flyer program or shopping reward program)
  • Earn enough to pay a higher annual fee
  • Can regularly make use of the rewards or complimentary extras on the card, such as insurance

A reward credit card might not be right if you:

  • Have a lot of credit card debt
  • Often carry a balance on your credit card
  • Rarely use a credit card
  • Won’t be able to regularly use complimentary extras on the card
  • Can’t afford a higher annual fee
  • Are tempted to overspend in order to earn rewards

It’s worth noting that there are some exceptions to the guidelines above. If you can’t afford a high annual fee, for example, you might still get a lot of value out of a reward credit card with no annual fee. On the other hand, if you regularly use a credit card but also have a lot of debt, it might be better to switch to a balance transfer or low interest rate credit card so that you get value out of paying less interest.

While rewards credit cards can be a useful way to get something back for your purchases, it’s important to remember that you have to repay everything (plus interest). There are also annual fees and other costs to consider. But by factoring in both benefits and costs when you compare reward credit cards, you can find an option that suits your needs.

Frequently asked questions

Want to know more about rewards credit cards? Below, you'll find answers to the most common questions we get about them. You can also leave your own question by filling out the form below.

This depends on your individual circumstances and goals. With such a wide range of reward credit cards available, there is no single "best" option for everyone. But you can find a card that's right for you by considering factors including:

  • The amount of points per $1 offered
  • Whether or not there is a limit to how many points you can earn
  • The types of rewards available
  • The amount of points required for rewards
  • Point expiry conditions
  • Bonus point offers (including what you need to do to get the bonus points)

While all of these features relate specifically to earning points (and using them), remember to also consider the rates and fees of the card, as well as whether or not it offers complimentary extras. This will help you find a card that's suited to your circumstances and your reward goals.

Most rewards programs allow you to to view your points through an online account centre. Usually you need a membership number or username and password to log in. Once you’ve logged in, you should be able to view your points and redeem them for the desired rewards.

Some credit card reward programs allow you to transfer points to frequent flyer programs, including American Express Membership Rewards, Citi Rewards and Westpac Altitude Rewards. Other reward programs, such as Qantas Frequently Flyer, Virgin Velocity or Coles flybuys, let you earn and redeem points with partnered airlines and organisations. Read the terms and conditions or contact your rewards program provider directly to confirm where else you can earn and use your points.

The number of points you need depends on your credit card and the reward/s you want to redeem. For flights, most frequent flyer programs have a points calculator available on their website. If you enter your preferred route and ticket status, the calculator can determine how many points you’ll need to cover the flight.

In regards to other types of rewards, most programs have an online catalogue that allows you to browse the rewards on offer and see how many points you need to redeem them.

This will depend on the credit card, but generally you can’t refund rewards or points once the transaction has been made.

As a financial comparison service, we don’t recommend any specific products. Instead, we provide you with the information you need to make an informed comparison and decision. When comparing rewards credit cards, consider your spending habits to determine whether the rewards you’ll receive will outweigh the costs of the card.

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NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
Qantas American Express Ultimate Card
Qantas American Express Ultimate Card

Interest rate

20.74

Annual fee

450
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

13.99

Annual fee

59

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106 Responses

  1. Default Gravatar
    July 27, 2017

    I spend and pay off in full about 25K per month of normal spending on my Citi Signature card which since the 1st July 2017 have at best halved their reward points which I use for Qantas flights.
    What is the best card now for me to get the most points for my spend per month, ie who is dollar for dollar and uncapped

    • Staff
      HaroldJuly 28, 2017Staff

      Hi Kym,

      Thank you for your inquiry.

      While we cannot recommend what is best for you, we can offer you a general information. You can use this quick video tutorial guide to review and compare the offers that will best fit your personal requirements.

      I hope this information has helped.

      Cheers,
      Harold

  2. Default Gravatar
    MazJune 28, 2017

    Since the rules for the credit card reward points that you earn are changing as of the 1st July 2017, what would be the best rewards card that you can earn points for make payments to the ATO? Currently have a Westpac Altitude Rewards card and this is changing from 1st of July 2017 where you no longer receive points for ATO payments.

    • Staff
      JhezelynJune 28, 2017Staff

      Hi Maz,

      Thanks for your comment.

      Please click this page to find out which credit cards let you earn points when making payments to the ATO. Compare the credit cards that earn points for tax payments and after you’re done comparing, click the “Go to Site” button to be redirected to the banks website to apply.

      Regards,
      Jhezelyn

  3. Default Gravatar
    AlanMarch 21, 2017

    I was hoping you could crunch the numbers and let me know the best value reward credit card available.

    I currently have a Jetstar Platinum MasterCard
    Spending approx $60k pa
    I receive 2 points per dollar (2%) return
    1 point = $1 when redeemed so about $1200 only catch is have to use as Jetstar flights.
    Annual fee is $49 + additional card $39 so $88 annual fee

    Can you suggest a card to offer me better value or the same that has more flexible rewards.

    Many thanks
    Alan

    • Staff
      HaroldMay 5, 2017Staff

      Hi Alan,

      Thank you for your inquiry.

      For your additional options to compare you may want to consider this options.

      I hope this information has helped.

      Cheers,
      Harold

  4. Default Gravatar
    BrianJuly 5, 2016

    Need a replacement card as mine is almost beyond being usable

    • Staff
      AnndyJuly 7, 2016Staff

      Hi Brian,

      Thanks for your comment.

      May I know what type of card you are currently holding so I can assist you?

      Alternatively, you can also try logging into your account on your bank’s website and check if there is a feature for requesting replacement cards.

      Cheers,
      Anndy

  5. Default Gravatar
    DawnMay 26, 2016

    I wish to be sent a new rewards card as mine is the old style & I was informed that the old style card will become extinct shortly.

    I will send my address when I hear from you.

    • Staff
      MayJune 1, 2016Staff

      Hi Dawn,

      Thanks for your comment.

      You have come through to finder.com.au we are an Australian financial comparison website and general information service and is not a credit card company.

      I’m afraid you’ll need to contact your card issuer directly to request for a replacement of your old rewards card.

      I apologise I couldn’t be of more help.

      Regards,
      May

  6. Default Gravatar
    ejayApril 27, 2016

    How do i access my savings

    • Staff
      YsaMay 10, 2016Staff

      Hi Ejay,

      Thanks for your question.
      To allow us to assist you further could you please state which credit card you are using?

      Cheers,
      Ysa

  7. Default Gravatar
    SteveMarch 16, 2016

    Hi,

    Which provider is the most beneficial for us clients ?

    We accumulate a lot of points however with the current provider we need to redeem a lot of points (which I believe is extremely excessive)in order to receive.

    Example 500,000 points gets you 2 return tickets to Europe

    • Staff
      AllyMarch 17, 2016Staff

      Hi Steve,

      Thanks for your inquiry.

      Kindly note that finder.com.au is an online comparison service and is not in a position to recommend specific products, issuers, and services.

      Also, it highly depends on your personal situation and needs. It would still be best to compare the different options available to ensure that you choose the most ideal product for you.

      That said, you may want to take a look at the credit card options provided on the upper portion of this page or consider the options on the following pages:
      Sign-Up Bonus Credit Cards
      Qantas Frequent Flyer Credit Cards

      I hope this has helped.

      Cheers,
      Ally

  8. Default Gravatar
    Christine.leiluaFebruary 8, 2016

    How do I apply for a card for Cole’s please.

    • Staff
      DebbieFebruary 8, 2016Staff

      Hi,

      Thanks for your inquiry.

      To apply for Coles credit card, kindly go through this page.

      I hope this helps.

      Cheers,
      Debbie

  9. Default Gravatar
    ChrisSeptember 11, 2015

    Hi, what is a good Visa corporate credit card for a small business that has a great reward points program that can be used to book fares on multiple airlines (and not linked to one sole airline such as Qantas or Velocity), ideally uncapped points, good conversion ratio, low annual charges?

    Thanks
    Chris

    • Staff
      JonathanSeptember 14, 2015Staff

      Hi Chris,

      Thanks for your inquiry.

      Please note that finder.com.au is an online comparison service and is unable to recommend specific products. If you would like to compare a range of corporate credit cards, please visit this page. Cards can be compared on reward points earnings rates, annual charges and other features.

      I hope this has helped.

      Cheers,

      Jonathan

  10. Default Gravatar
    jeffreyJuly 23, 2015

    Which cards do not cap their points?

Credit Cards Comparison

Rates last updated September 21st, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Until 1 October 2017, exclusive to finder.com.au, enjoy a no BT fee, balance transfer offer with platinum privileges, including travel insurance.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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